With the absence of existing open APIs, or even reasonable API banking from most banks, there has been an emergence of smart banking API providers like Mono and Okra (in Nigeria), Stitch in South Africa, Plaid in the US, and Tink in Europe. They provide simple APIs which anyone can use within minutes and at reasonable pricing.

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https://jemimabenson.medium.com/how-open-banking-will-benefit-api-providers-670a3e98aff6